Toolkit for new EPC payment scheme participants

The following infographic will guide you through the main steps to become an

European Payments Council

payment scheme participant: 

Participation to the

European Payments Council

payment schemes does not require

European Payments Council

membership. The first step in adhering to the

European Payments Council

payment schemes is to download the Guide to the

European Payments Council

payment schemes adherence process.

Read more about the Guide to the EPC payment schemes adherence process

FAQs to the EPC Adherence Guide

This guide details the eligibility criteria and the instructions for completing the adherence pack. It also lists the information and documents that payment service providers (

Payment Service Providers

) have to provide to substantiate their adherence.

For each scheme to which the applicant wishes to adhere, three template documents have to be completed and signed.

• The adherence agreement, which summarises the main information submitted by the

  Payment Service Provider

  and formalises the

  Payment Service Provider

  ’s participation.
• The schedule information document, in which the

  Payment Service Provider

  specifies its contact details, foreseen reachability date and details for invoicing.
• The legal opinion, signed by a legal counsel internal or external to the applicant. There are two templates, one ‘standard’ and one for licensed branches of non-

  Single Euro Payments Area

  country institutions.

These documents are included for information in the adherence guide and available below in the adherence packs for each scheme:

SEPA Credit Transfer scheme adherence pack

SEPA Credit Transfer scheme adherence pack - Extended Remittance Information option

SEPA Instant Credit Transfer scheme adherence pack

SEPA Direct Debit Core scheme adherence pack

SEPA Direct Debit Business-to-Business scheme adherence pack

One-Leg Out Instant Credit Transfer scheme adherence pack

As detailed in the adherence guide, other documents and information might have to be provided, for example regarding the applicant’s reachability.

The adherence pack can be sent:

• Either via the

  Payment Service Provider

  ’s National Adherence Support Organisation (NASO – usually the national banking association). This document provides the name and contact address of each NASO in

  Single Euro Payments Area

  .
• Or directly to the

  European Payments Council

  .